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“He said that £600 had been spent at an Argos in Scotland and he was calling to make sure it is not me.

“He said he would go through some security checks. I have had a lot of calls with banks and it sounded like a normal call.”

Watch out for this phone scam

Katie said she did not have that much in her account and she immediately worried she had been overdrawn.

She said: “Once we had talked for a bit he said that he had just noticed something on the account and wanted to speak to his manager. Then he came back and said they had been transferring between my accounts.

“Then he said that he would send me a verification code and I should read it back to him.”

She then received a text with a code which she read out. What she didn’t realise was the scammer was using it to set up the NatWest app on his phone in her name.